Financing European Investment Fund

Financing European Investment Fund

The EaSI Financing Line is the result of an agreement between LABORAL Kutxa and the European Investment Fund, in order to promote the future of Entrepreneurs, Start Ups, Self-Employed and Small Businesses. We put at your disposal financing under special conditions to create or consolidate your business.

Public Target:

  • Entrepreneurs
  • Startups.
  • Microenterprises
  • Self-employed

With less than 10 employees and less than € 2,000,000 of billing.

Destination of Financing:

 

  • Self-employment or contribution to cooperatives or companies of social economy.
  • Launch of new micro-enterprises.
  • Investment in machinery, equipment assets, conditioning offices or workshops, commercial vehicles.

Funding in Preferred Conditions:

  • Amount up to € 25,000
  • Deadline: up to 5 years
  • Interest rate: 3.40% TIN
  • Opening commission: 1%

Example: For a loan of € 20,000 to 36 months. Opening commission € 200; TIN: 3.40%; APR: 4,143%; monthly fee: € 585.16; Total cost: € 21,265.63.

Note: The following sectors of activity are excluded: production and marketing of weapons, human cloning, tobacco, distilled alcohol production and gambling and destinations: real estate purchase and refinancing.

 

This funding has the support of the European Union within the framework of the guarantee instrument established in accordance with Regulation (EU) No 1296/2013 of the European Parliament and of the Council, concerning a European Union Employment and Social Security Program Social Innovation «EaSI.

The present financing enjoys a guarantee financed by the European Union in accordance with the European Union Program for Employment and Social Innovation (“EaSI”) and the European Fund for Strategic Investments (“FEIE”), established within the framework of the Investment Plan for Europe. The purpose of the FEIE is to help support the financing and application of productive investments in the European Union and ensure greater access to finance.

The financial support benefits granted by the European Union within the framework of the Guarantee Mechanism established in accordance with Regulation (EU) No 1296/2013 of the European Parliament and of the Council establishing a European Union Program for Employment and Social Innovation (“EaSI”) and the European Investment Fund Strategies (“FEIE”) created under the Investment Plan for Europe. The purpose of the FEIE is to help finance and apply productive investments in the European Union and to ensure greater access to finance.

 

Pension Plans

Pension Plans

  • What is a pension / prevision plan?

    It consists in the periodic contribution of some amounts that will allow it to constitute a capital, as a supplement to retirement.

    Although the objective of both products is the same, Los Planes de Previsión are exclusive products of the CAV.

    Contributions are fiscally deductible.

  • How can you hire?

    In any office of Caja Laboral, calling Telebaka (901333444) or through Caja Laboral Net.

  • Who can not be consulted?

    No. A Forecast Plan or Pension Plan allows two types of participants. Owner and Beneficiary. It is the owner who can act on it, both to perform any operation, as well as inquiries.

  • Can I have the money whenever I want?

    PREVIOUS PLANS

    It is a savings constituted for retirement, but you can avail in advance of the total or partial amount of the economic rights, corresponding to the contributions made to plans that have an age superior to ten years.

    In addition, other contingencies are contemplated such as unemployment, sickness, disability, or death, in which it is not necessary to wait for that term.

    PENSION PLANS

    It is a savings constituted for retirement, but as of January 1, 2025, you can also have contributions that are older than ten years.

    In addition, other contingencies are contemplated such as unemployment, sickness, disability, or death, in which it is not necessary to wait for that term.

  • Contributions taxation:

    Reduce the General Taxable Base.

    PREVIOUS PLANS

    Exclusive product of the CAV.

    The annual ceiling for reduction is € 5,000 in the three provinces (Gipuzkoa, Bizkaia and Araba).

  •  

    PENSION PLANS

    • NAVARRA
      The annual maximum reduction limit is the lowest among: € 3,500 or 30% Net Returns of Work and Economic Activities (€ 6,000 or 50% over 50 years of age)

    • STATE
      The annual maximum reduction limit is the lowest among: € 8,000 or 30% Net Income from Labor and Economic Activities.

  • Fiscality rescues:

    They tax as Work Performance.

    PREVIOUS PLANS

    • Perception in the form of capital : A 40% reduction will be applied to the first benefit received for each of the different contingencies provided that more than two years have elapsed since the first contribution. The term of two years will not be required in the case of benefits due to disability or dependence.
    • Perception in the form of income : It is 100% integrated.

    PENSION PLANS

    NAVARRA

    • Perception in the form of capital : A 40% reduction will be applied to the first benefit received for each of the different contingencies provided that more than two years have elapsed since the first contribution. This reduction shall apply to the amount resulting from discounting the amount of contributions made within a period of one year prior to the date on which the benefit is received. The term of two years will not be required in the case of benefits due to disability or dependence.
    • Perception in the form of income : It is 100% integrated.

    STATE

    • Perception in the form of capital : Integrates 100%.
      As of 01/01/2007, benefits in the form of capital do not benefit from reductions except as provided in the following transitory regime that results from application to contracts signed before 01/01/2007.
      A reduction of 40% will be applied to the benefits derived from contributions with more than two years of seniority in the following terms:
      (*) The benefits derived from contingencies that occurred before 01/01/2007 result from the application of the existing financial and fiscal system until 12/31/2006, which was characterized by the application of a 40% reduction in benefits Retirement or death of pension plans in the form of a capital when more than two years have elapsed since the first contribution (in case of invalidity benefits, the requirement of the 2-year period after the first contribution is not required)
      This regime also applies to the contingencies that have occurred since 01/01/2007 for the part corresponding to the contributions made until 12/31/2006.
    • Perception in the form of income : It is 100% integrated.
  • What operations can be done with plans?

    • Regular contributions and modifications of them.
    • Extraordinary contributions.
    • Transfers between plans.
  • Profitability:

    The profitability that you can obtain with a Pension or Forecast Plan is unknown at the time of hiring. This information is known when it is rescued and will depend on the net asset value of that day.

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The economic crisis has had a lot of effects, both on individuals and on banks, for example. For that reason, it has become more difficult to take out a loan. There are many additional conditions that are applied and it is therefore not feasible for everyone to quickly borrow money through this route. If you do not meet all conditions, for example, if you do not have a fixed income, but still want to borrow money quickly, you can choose to turn to alternative lenders. Alternative lenders are generally private individuals who provide credit via the internet. These loans are very popular as there are few conditions attached to them. Perhaps these loans also offer a solution for you if you want to get money quickly.

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It is logical that you may wonder whether it is safe to just borrow from alternative lenders. They use fewer conditions. However, it is not legally binding for loan providers to apply many conditions, as long as they adhere to the conditions as laid down in the Consumer Credit Act. This means, for example, that a blacklist check with the National Bank is not mandatory and this does not necessarily make loans less safe. The reason that these credit checks are carried out is to limit the default risk for loan providers themselves as much as possible. However, these checks do not have to be carried out, especially when it concerns loans of small amounts. If you choose a provider that uses few conditions, it is of course always important that you are well informed about the conditions and what is expected of you, so that you will not face surprises or money problems. In addition, it is also useful to check whether a credit provider is officially registered as a company.

How many euros borrow money with an online loan?

Since there are few conditions attached to these online loans, loan providers on the internet keep their loans secure in a different way. For example, they only provide loans for small amounts. In general, it is not possible to borrow amounts higher than 1000 euros. Sometimes it can also be the case that it concerns loans with a maturity of one month, for example. This means that the loans are not suitable for money problems in the long term, but you can, for example, borrow 300 euros for a special occasion, 600 euros for the purchase of a product or 900 euros to pay bills. You do not have to inform the loan provider about exactly what you want to borrow.

This way you can borrow money

If you have become enthusiastic about taking out an online payday loan with bad credit, you can arrange this quickly and easily Payday Champion. Because the entire application process is done online you can arrange it in the following way within five minutes. First of all, it is important to find a provider that suits what you have in mind and your personal situation. You can compare providers on the basis of the conditions, as they can often differ. Then, if you have read the terms and conditions carefully, you can apply for the loan by filling out the form on the website. After you have done this, you often receive a text message or e-mail about the status of your application. The money is then quickly on your account, sometimes even within 5 minutes. Having access to money quickly, despite a blacklist registration, is already possible for example!

 

 

Pérez Lapazarán y Palacios, Navarre senators with the greatest patrimony

 

The Navarrese senators have made public this Thursday their declaration of activities, goods and rents, among which stand out those of the ‘popular’ José Ignacio Palacios and José Cruz Pérez Lapazarán, since they are located as the Navarrese elected with greater patrimony.

In particular, José Ignacio Palacios has declared 445,482.25 euros in the total balance of their bank deposits, and has received in the last year rents of 3,156.93 euros for dividends of shares listed on the stock exchange, 1,560.53 euros for interest on accounts , and 7,391.5 euros for housing leases.

As for properties, it declares a house with a garage in Huesca acquired in 1981, another house in Tarragona acquired in 1986 and a parking space in Navarra acquired in 1990. It also declares the ownership of a house in Navarre by inheritance, 50 percent, and another house with a garage in Madrid, at 50 percent.

In addition, Palacios has shares and securities for 42,442.05 euros and owns an Audi A6 of 1995. It also declares a pension plan of 176,322.96 euros and a pension plan for 11,453.50 euros.

On the other hand, the senator of the PPN resigned in 2008 to be a director and president of Tasaciones y Consultorias SA, owned 50 percent by public companies of the Government of Navarre.

The other senator of the PPN, José Cruz Pérez Lapazarán, received in the last financial year 67,537 euros for his membership of the board of directors of a company authorized by the Senate, plus another 9,500 euros from his parliamentary group, 12,826 euros of perception by seniority of official, 2,228 euros for dividends in shares, and 707 euros for interest and income.

Pérez Lapazarán is a member of the scientific committee of ICAM without remuneration and is a board member of the Viscofan company, “of completely private capital and without any relationship with the public sector”, as he states.

As for the real estate, he states that he owns an apartment with a garage in Huelva acquired in 1992, a flat apartment in Madrid acquired in 1998, and urban estates in Guadalajara acquired in 1984. In addition, he declares by inheritance a 1/8 of one floor in Madrid and another 1/8 of a floor in Guipúzcoa.

Pérez Lapazarán also has 156,451 euros in bank accounts and more than 80,000 euros in pension plans. It also declares 73,869 euros in shares and owns an Opel Insignia of this same year.

For her part, UPN Senator María Caballero, declares ownership of a semi-detached house in Mutilva acquired in 2003 and a studio in Madrid acquired in 2009. She also has two mortgage loans, one of 190,000 euros, of which she has an outstanding balance of 178,000 euros, and another loan of 194,000 euros from the one that has pending 26,000 euros.

Regarding bank deposits, María Caballero has 73,000 euros in current accounts and 13,100 euros in deposits and funds. It also has 2,500 euros in shares in Banca Cívica and two cars, a Citroen C3 and a Volkswagen Passat. Finally, it declares a participation of 8,000 euros in the limited company Generación TC.

For his part, the socialist senator, Javier Sanz Carramiñana,

For his part, the socialist senator, Javier Sanz Carramiñana,

It declares ownership of 50% of two homes, one in Navarra acquired in 1994 and one in Gerona acquired in 1993. It also has a rustic land in La Rioja at 50%.

He is also a board member of the Esteley company and has a 50 percent stake in its capital stock, valued at 3,000 euros. The company does not have contracts with the Administration.

Finally, it has 36,510.25 euros in savings accounts, as well as a BMW car of the year 1999 and a Volkswagen Beetle of 1968 acquired in 2002.

Finally, the regional senator for Navarra, Pedro Eza (UPN), declares income received in the last year of 44,140 euros as Navarra’s parliamentary representative, 24,650 euros for UPN and 7,002.24 euros for seniority and degree in education.

It also declares ownership of a single-family home in Navarra acquired in 1992 and has a total of 4,534.15 euros in current accounts. It also has two cars, a BMW 525 Touring acquired second-hand in 1996 and a Peugeot 206 acquired in 2003.

It also declares a mortgage loan for 167,134.10 euros, with an outstanding balance of 144,497.21 euros. He also has two personal loans for 37,000 and 14,000 euros and a bridge loan for 30,000 euros. He owns two solar panels since June 11, 2006 with loans from Caja Navarra.

 

Collective financing or 'crowdfunding': a lifeline for creators

 

 

A promotional image of Verkami, one of the existing collective financing platforms in Spain. Verkami

Last May, the members of Riot Cinema, one of the youngest teams in Spanish cinema, were getting ready to start filming the science fiction movie El Cosmonauta . They had acquired two authentic space suits, had 120,000 euros and a Russian investor had committed to provide another 120,000. But at the last moment the foreign co-producer withdrew claiming liquidity problems. The project had to be canceled. Or not?

We launched a desperate campaign for fans to save the film “Then we launched a desperate campaign asking our community of supporters to help us save the film”, recalled on their website the Riot Cinema components, still amazed by “the passion and the commitment “ with which his friends and admirers responded to the call. In three days, the project received 131,000 euros that allowed the film to end and arouse the interest of the media for this new model of ‘micro-donations’.

The website Lánzanos , born only a few months before, was the platform in charge of managing the donations. “Dreams that remain in a drawer for lack of money? A new form of financing has arrived and it seems that to stay”, promisingly announced the site .

Today, only a few months later, the website conducts fifty campaigns of “financing by crowds” aimed at cultural initiatives. One of them is the music group Canteca de Macao , which has already managed to collect 41% of the 20,000 euros it needs to record a new album. To achieve this, the band would demonstrate “that things can be done in a different way,” their musicians point out. Lánzanos .com now works to extend the formula to startups (start-ups) that operate in other areas through a new tool called Seedquick.

Another way to access culture

But crowdfunding – the English term with which this mass financing system is known – “is not just a way to get money,” says Joan Sala , co-founder of the digital platform Verkami, one of the two pioneer sites , together with Lánzanos , of this type of services in Spain. For him, crowfunding is also “another way of consuming culture” : “It promotes a much closer relationship between the artist and his audience, the latter not only supports him economically, but also gets emotionally involved in his task. even thinks about the work of the creator when it is still in the process of elaboration, “he adds.

The ‘crowdfunding’ is, in addition to a way to achieve money, another way to consume culture One of the milestones in the curriculum of Verkami has to do with Jero Romero , exSunday Drivers . The musician asked his fans for 10,500 euros to produce his first solo album. He got it in record time, 24 hours. Also the fourth album of the singer-songwriter Cesk Freixas and some literary projects on the 15-M will see the light thanks to similar campaigns.

Of course, not all the projects that resort to these initiatives are accepted. The proposals must be well planned and have in advance a public , an interested community. “If not, they are useless”, warns Sala.

In general, projects have 40 days to collect the money requested . If the objective of collection is fulfilled in the foreseen term, the artist receives the money and pays a commission to the digital platform that has managed it and that oscillates between 5% and 10%. If the stipulated amount is not reached, donations are not charged to the ‘patrons’ who have wanted to contribute and the author does not perceive anything. The average of the donations is usually around 20 euros, but they can also be smaller.

Another aspect to take into account in this equation are the rewards that encourage donors . They can be special tickets for the concert of that particular artist, a special edition of his work, attend the recording of it, the name of that patron appears in the credits of the film … the formulas are endless.

With free DNA

Cultural products are not the only ones that can be part of a collective financing project. Goteo , the latest web of these features that emerged in Spain, brings together money for hardware projects, free software and, in general, any good idea with “open DNA”.

The Administration can distribute ‘watering capital’ and that citizens invest it As a particularity, donors can not only contribute with economic resources, but with their work , either proving the correct functioning of a recently created program, or helping its dissemination.

Public entities can also make use of this system, says Enric Senabre , one of those responsible for Goteo : “The Administration can invest in ‘irrigation capital’ (as they have baptized the economic contributions they receive) and distribute it among citizens so that these decide, among a range of projects, what to pay “. Among its star proposals is the ‘mobile node’, that is, a high capacity wifi unit for public spaces.

Kickstarter, the model

If in Spain the crowdfunding has just landed, in the United States it has been receiving more than two years of praise for the most reputable newspapers and participating in important financing projects. The American Kickstarter.com is, according to all Spanish sites , the model to follow . In its two and a half years of life it has raised more than 75 million dollars for 10,000 campaigns and 44% of the projects in which it intervenes achieve their goal. A triumph

  • Drip

    An explanatory graphic of the work of ‘crowdfunding’ or collective financing developed by the Goteo platform. (Drip)

    “> Dripping

  • Canteca of Macao

    The components of Canteca de Macao, in search of micromecenas. (Archive)

    “> Canteca de Macao

  • ‘Crowdfunding’ or collective financing

    A promotional image of Verkami, one of the existing collective financing platforms in Spain. (Verkami)

    “> ‘Crowdfunding’ or collective financing

Facilitate the creation of companies and control temporary work, proposals on UPyD employment

The Chamber is committed to moderate the salaries of the health services that charge the most and to publish the waiting lists every six months by law

 

The Chamber is committed to moderate the salaries of the health services that charge the most and to publish the waiting lists every six months by law

UPyD candidate to chair the Board of Communities of Castilla-La Mancha, Celia Esther Cámara, has cracked some of their electoral proposals, among which has been aimed at creating employment in the region, such as facilitating the creation of companies by reducing obstacles bureaucratic, betting on research and business development and encourage the formation of entrepreneurship to be launched to the internationalization of their products.

In an interview with Europa Press, Cámara has detailed that its intention is “to generate wealth in the region” through the companies and to reactivate public investment “arbitrating a control system”, since in this legislature this investment has been “null “

As he has said, the region is a community where bureaucratic obstacles “are immense” and that is something that “has to disappear”, which has to go hand in hand with supporting investments in research and promoting the granting of business loans “avoiding the subsidies”.

“And we must help companies to improve the commercialization and internationalization of their products, something important to enhance the Castilla-La Mancha brand, and entrepreneurs suffer from lack of training, for which we must bet to streamline the market” , has explained.

He has defended the creation of an Export Institute similar to the ICEX to help out of the Castilian-La Mancha borders with companies, since in his opinion the Chambers of Commerce “do not fulfill their advisory function”. “We had to give them another focus,” he underlined.

In his opinion, the unemployed in the region “need special help from the Government”, which should bet to benefit groups such as women victims of gender violence, disabled and long-term unemployed.

“The labor reform of the PP has generated a figure that had not been known to our country, that of the precarious worker and in social exclusion,” he lamented.

“control of temporary work”

Another of the proposals of Celia Esther Cámara is to make “a serious and rigorous control of temporary work” and to conceive it “as in other countries of northern Europe,” avoiding “widespread abuse of it.”

“We are in favor of a single indefinite contract, which would end the duality that exists in the country, and that has an increasing compensation depending on the time the worker is in the company,” he has defended.

As he stressed, the current labor market “has a tangle of contracts that are not operational, which can cause employers a certain confusion at the time of hiring.”

“We understand that the market and hiring should be reduced to permanent, temporary and training contracts, but regulating the storm and betting on a labor inspection that works so that they do not involve covert exploitation,” he argued

 

Advocates to moderate the salaries of the toilets

 

Another of the proposals of the regional leader of UPyD is “to moderate public salaries with criteria of efficiency”, since it has its judgment “in such a serious situation of unemployment and poverty with more than 12,000 million euros of public debt, it can not There are people with stratospheric salaries. “

He has also opted to “professionalize hospital management charges” and avoid the “finger-pointing system of health managers”, which in his opinion should “make their salaries public”.

“We have to moderate salaries with criteria of efficiency, because what we manage is public money,” said the Chamber, which has also advocated compliance with retirement replacement rates “and do so as established by law.”

“The dismissal of health workers has been huge, and this has caused the waiting list to go off,” said Camara, who has been in favor of drafting a law to publish this information on a biannual basis.